Stocks · Financial Services · Financial - Credit Services
Ally Financial Inc. ALLY
$37.91 +0.69% Close, Oct 2, 2026 · NYSE · Market cap $11.53B
Weak trendHigh risk
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $4.24, up 175.3% year over year.
- Operating margin widened to 11.6% from 3.6% a year earlier.
- Net debt is 5.0× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 32%
- EPS growth (TTM, YoY)Top 6%
- Revenue growth, 3-year CAGRBottom 9%
- Revenue growth accelerationTop 28%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 35%
- Gross marginBottom 22%
- Operating marginBottom 25%
- Cash conversion (OCF / net income)Top 14%
- Accruals (lower is better)Top 31%
- Net debt / EBITDA (lower is better)Bottom 26%
- Interest coverBottom 17%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 12%
- Free-cash-flow yieldBottom 11%
- EBITDA / enterprise valueTop 22%
- Sales / enterprise valueTop 21%
- P/E vs own 5-year history (lower is better)Top 44%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 50%
- 6-month returnBottom 14%
- 1-year return vs S&P 500Bottom 30%
- Distance from 52-week highBottom 25%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 26%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 27%
- Upside to consensus price targetTop 15%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 43%
- Maximum drawdown, 3 yearsBottom 38%
- Beta vs S&P 500 (lower is better)Bottom 10%
- Net debt / EBITDA (lower is better)Bottom 26%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.2% | 2.0% | ↑ |
| EPS growth (YoY) | 201.5% | 175.3% | ↓ |
| Gross margin | 43.8% | 49.7% | ↑ |
| Operating margin | 3.6% | 11.6% | ↑ |
| FCF margin | -1.6% | -3.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.0% | -0.2% | ↑ | Bottom 32% |
| EPS growth (TTM, YoY) | 175.3% | 201.5% | ↓ | Top 6% |
| Gross margin | 49.7% | 43.8% | ↑ | Bottom 22% |
| Operating margin | 11.6% | 3.6% | ↑ | Bottom 25% |
| Net margin | 9.2% | 3.8% | ↑ | — |
| Free-cash-flow margin | -3.8% | -1.6% | ↓ | — |
| Return on invested capital | 3.8% | — | Top 35% | |
| Revenue growth, 3-year CAGR | 0.2% | — | Bottom 9% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.68×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +12604.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.99×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.30%
- Net buyback yield (TTM)
- 2.77%
- Shareholder yield
- 6.07%
- Share count change, 1 year
- -0.4%
- Share count change, 3-year CAGR
- +0.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 23, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +10.2%
- Average 2-day reaction, last 8
- +1.0%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $52.88
- Target vs current price
- +39.5%
- Analysts with a rating
- 38
- Share rating Buy or Strong Buy
- 66%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | -0.8% | -2.4% | -4.0% | -4.2% | — |
| Apr 17, 2026 | +18.8% | +8.1% | +7.3% | +1.0% | +8.1% |
| Jan 21, 2026 | +7.9% | +0.0% | +1.1% | -0.8% | -1.1% |
| Oct 17, 2025 | +15.0% | +3.6% | +6.7% | +2.0% | +13.8% |
| Jul 18, 2025 | +21.9% | -0.9% | -4.6% | -3.4% | -8.2% |
| Apr 17, 2025 | +36.8% | -1.7% | +3.1% | +11.1% | +21.3% |
| Jan 22, 2025 | +36.4% | +3.9% | +2.3% | +2.4% | -15.7% |
| Oct 18, 2024 | +79.2% | -2.3% | -3.8% | +1.1% | +3.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $1.21 | $1.22 | -0.8% | $2.28B |
| Apr 17, 2026 | $1.11 | $0.93 | +18.8% | $2.10B |
| Jan 21, 2026 | $1.09 | $1.01 | +7.9% | $2.12B |
| Oct 17, 2025 | $1.15 | $1.00 | +15.0% | $2.37B |
| Jul 18, 2025 | $0.99 | $0.81 | +21.9% | $2.28B |
| Apr 17, 2025 | $0.58 | $0.42 | +36.8% | $1.75B |
| Jan 22, 2025 | $0.78 | $0.57 | +36.4% | $2.24B |
| Oct 18, 2024 | $0.95 | $0.53 | +79.2% | $2.29B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.9× | 10.4× | 48th | Top 12% |
| P/E (forward) | 7.3× | — | — | — |
| EV / EBITDA | 8.8× | — | — | Top 22% |
| EV / Sales | 1.68× | — | — | Top 21% |
| Free-cash-flow yield | -5.28% | — | — | Bottom 11% |
| Earnings yield | 11.18% | — | — | Top 12% |
P/E over the past five years
Range 4.5× – 24.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -2.2%
- Earnings per share growth (TTM)
- +175.3%
- Change in P/E multiple
- -57.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -5.1%
- 200-day average slope (20 days)
- -0.3%
- Distance from 50-day average
- -9.9%
- Distance from 200-day average
- -11.1%
- RSI (14)
- 27.4
- Relative volume
- 1.00×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.1%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.27
- Correlation with S&P 500
- 0.61
- Current drawdown from 1-year high
- -19.8%
- Maximum drawdown, 3 years
- -33.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 1, 2021 | Mar 17, 2023 | -60.3% | 452 days | Not yet recovered |
| Jan 20, 2021 | Jan 27, 2021 | -11.8% | 5 days | 6 days (Feb 4, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $11.53B
- P/E (TTM)
- 8.9
- EPS, diluted (TTM)
- $4.24
- Revenue (TTM)
- $15.84B
- Dividend yield
- 3.17%
- 52-week range
- $35.92 – $47.29
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $10.69B | $12.10B | $15.97B | $16.37B | $12.15B |
| Gross profit | $8.54B | $7.84B | $7.10B | $6.73B | $6.32B |
| Operating income | $3.85B | $2.34B | $1.10B | $836.0M | $1.05B |
| Net income | $3.06B | $1.71B | $957.0M | $668.0M | $852.0M |
| EPS (diluted) | $8.22 | $5.03 | $2.78 | $1.80 | $2.37 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.18B | $4.04B | $3.43B | $3.88B | $3.95B | $3.94B | $3.89B | $4.07B |
| Net income | $357.0M | $108.0M | -$225.0M | $352.0M | $398.0M | $327.0M | $319.0M | $410.0M |
| EPS (diluted) | $1.06 | $0.26 | -$0.82 | $1.04 | $1.18 | $0.95 | $0.93 | $1.18 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $4.04B | $6.25B | $4.56B | $4.53B | $3.63B |
| Capital expenditure | -$5.12B | -$3.53B | -$2.76B | -$3.46B | -$4.28B |
| Free cash flow | -$1.08B | $2.71B | $1.80B | $1.07B | -$647.0M |
| Dividends paid | -$324.0M | -$384.0M | -$368.0M | -$372.0M | -$379.0M |
| Net share buybacks | -$1.99B | -$1.65B | -$33.0M | -$38.0M | -$59.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $8.68B
- Total assets
- $199.77B
- Total liabilities
- $184.28B
- Total debt
- $22.97B
- Net debt
- $15.13B
- Shareholders’ equity
- $15.49B
As of Jun 30, 2026 (filed Jul 23, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 31, 2026 | $0.30 | Aug 14, 2026 |
| May 1, 2026 | $0.30 | May 15, 2026 |
| Feb 2, 2026 | $0.30 | Feb 17, 2026 |
| Oct 31, 2025 | $0.30 | Nov 14, 2025 |
| Aug 1, 2025 | $0.30 | Aug 15, 2025 |
| May 1, 2025 | $0.30 | May 15, 2025 |
| Jan 31, 2025 | $0.30 | Feb 14, 2025 |
| Nov 1, 2024 | $0.30 | Nov 15, 2024 |
Short interest
- Shares sold short
- 14,956,175
- Days to cover
- 4.62
- Change vs previous report
- +7.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 10, 2014
- 310-for-1